Steph, I could not find any premium information for that Florida BlueCross plan because I would have to apply and I'm not a Florida resident.

Meanwhile, that letter you got from your insurance company seems like a booby-trap. If you signed up for a plan under ACA, you would lose your chance at keeping your grandfathered plan. It appears they forgot to mention that there was a grandfather provision in the ACA. Perfect, they send out a letter like that, make you afraid, prod you into making a decision in the midst of fear and they get out of having to cover you under the terms of your old policy.

I may be way, way over-thinking but it may be in the insurance company's financial interest to 'bump' people with good plans into the exchanges. I hope you have unlocked the secret to keeping coverage that works for you. I'll be happy for you if you can find security during this change.